Starting Friday, December 6th, 2019, the current Members Choice Grand Parkway branch will be closed to transition operations to the new location. Our new Grand Parkway branch will open on Monday, December 9th, 2019 at 9:00 AM. The new branch is located at 401 West Grand Parkway South, Katy, TX 77450.


Online Banking

Online Banking
Opportunity Checking Members Choice Credit Union Katy Houston Second Chance Build History

Opportunity Checking

Second chance checking to help build a new banking history

We believe everyone should have the opportunity to manage their finances. If you are unable to open a standard account due to past credit or banking history, this second-chance Opportunity Checking account can help you get back moving in the right direction.

Explore Opportunity Checking

  • Money orders (eligible for one free money order per month)
  • Not instantly declined because of charge-off (if within our eligibility guidelines)
  • Three MCCU withdrawal fees waived at non-Members Choice ATMs per month
  • No monthly service fee with monthly direct deposit or ACH deposit of $400 or greater
    Open an Account Now!

Plus these benefits


  • $5 fee without a monthly direct deposit or ACH deposit of $400 or more
  • Not eligible for Choice Pay
  • No mobile deposits
  • No “Financial Institution-to-Financial Institution” transfers via Online Banking
  • Account will be closed if overdrawn for 30 days or more 


  • $25 minimum deposit to open


(1)Mobile banking – No mobile deposits for Opportunity Checking
Opportunity Checking is not eligible for Choice Pay, mobile deposits, or for transfers between financial institutions via Online Banking.

Please note an Opportunity Checking account will be closed if overdrawn for 30 days or more. If you maintain your Opportunity Checking account in good standing for one year, you have the option to be converted to another checking account type and funds will be transferred to that account.

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.

Members Choice Credit Union